Medishare Health Insurance Plans

Medishare is based on Biblical principles and is "modeled after the early church in the Book of Acts where people were of one heart and mind." The idea is that the Medishare program members support each other in their times of need.

Medishare Insurance Plans

Medishare isn’t a traditional insurance option like the health plans typically found on healthcare.gov. Instead, Medishare is part of the Christian Care Ministry (CCM) and is intended as a more affordable option than traditional insurance. In fact, Medishare actually isn’t an insurance company at all, but rather a faith-based cost-sharing program. It’s a not-for-profit ministry and the second-largest health care sharing ministry in the United States.

The Affordable Care Act (ACA), also known as “Obamacare” has made it easier for many Americans to afford health insurance. Even with these changes, however, some still find it difficult or impossible to carry the burden of their monthly health insurance premiums or other medical costs. Even those helped by Obamacare during the open enrollment period have no guarantee that monthly premiums won’t increase the following year or that the same medical providers will be covered under the same health insurance plan. For Christians who need other options, we can help find a sharing ministry that works for you. 

How Does Medishare Work?

Every month, members of Medishare pay into a group pool of money. This monthly payment can be thought of as a deductible with traditional health insurance. When a member has medical needs, money from the sharing account is used to help pay the medical bills. It’s important to note that Medishare members will generally still be responsible for paying some of their medical expenses out-of-pocket.

There are many options for new members to join, and the number of people on a plan can range from an individual to families of four or more. Each family will have an annual household portion (AHP), essentially an annual deductible, which they’ll be responsible for. This is the amount they’ll need to pay out-of-pocket before Medishare starts covering medical services. Those joining Medishare on their own will be responsible for their out-of-pocket individual mandate.

The more you’re willing to pay out-of-pocket, the less your monthly share amount to the pool will be. If your family members rarely get sick and your family leads a healthy lifestyle, you can basically pay a low premium in the form of a healthy monthly share so it’s easier to enjoy Medishare benefits when you do need medical care. 

Conversely, if you frequently visit the doctor’s office, you may find it worthwhile to pay a high deductible to receive more Medishare reimbursement. Health Quote Gurus can help you find the plan that’s best for you. Note that these monthly shares are not tax deductible since there’s a high likelihood that you’ll benefit from the shares.

What Does Medishare Cover?

Medishare members are invited to look for health care providers within the organization’s PHCS network. You’ll be required to pay a provider fee for doctor visits and emergency room visits.

CCM will then determine if the remainder is an eligible medical bill for sharing. If so, the cost of healthcare will be covered by share amounts. If it isn’t deemed as an eligible bill, such as a bill from a provider outside the PHCS, then the amount may be applied toward your AHP. Standard visits for things like preventive care, immunizations, and routine checkups should be covered. Prescriptions are also eligible for sharing for up to six months. Maternity coverage is possible depending on the Medishare member’s AHP level.

Medishare Restrictions

Since Medishare is part of the CCM, Medishare members are understood to be believers of the Christian faith, and you’ll need to agree with and live by the organization's Statement of Faith.

You’ll also need to live by certain behaviors. These include refraining from the use of tobacco and illegal drugs. You also agree to refrain from abusing legal drugs and to limit intercourse to the confines of traditional Christian marriage. It should be noted that any medical practices that could be interpreted as opposing the Christian faith, such as abortions, will not be covered by Medishare.

Additionally, there are certain pre-existing conditions that may require high deductibles, and expenses incurred due to these medical conditions may not be eligible for sharing. As Medishare is not a health insurance company, there is no guarantee that certain medical claims will be upheld. We at Health Quote Gurus can help you find out what, if any, additional requirements you may have or what fees may apply to you.

Medishare Benefits

You’ll enjoy benefits beyond sharing doctor and hospital bills, as well. Each Medishare member has access to telephone physicians who can provide help at any time. You also receive discount cards that can save money for dentist and optometrist visits, although some healthcare providers may not accept the card.

Additionally, Medishare members can apply for the health incentive. The health incentive can save members up to 20 percent on their monthly share if they meet the qualifications, although only individuals are able to apply for this incentive. Requirements include completing the form and meeting certain health milestones. These include maintaining a healthy blood pressure, keeping within a specified waist measurement, and maintaining a healthy BMI. If you or family members struggle with things like weight, high blood pressure, or high cholesterol, you could consider hiring a health coach to help meet the requirements.

Is Medishare Right for You?

Interested applicants can submit an application form over the phone along with a one-time $50 application fee. You will then be directed to the Online Forms Center to complete additional paperwork, including a health history questionnaire.

Once a new member is approved, they will have a one-time new member fee of $120 along with their first month’s share amount. Health Quote Gurus can assist you with the application process. We can also help your religious organization find quotes and determine the best Medishare plan for your members.


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